American Express® Apply With Confidence: Check Your Approval Risk-Free
3 Min Read | Published: December 15, 2025
This article contains general information and is not intended to provide information that is specific to American Express products and services. Similar products and services offered by different companies will have different features and you should always read about product details before acquiring any financial product.
With Amex® Apply With Confidence, find out if you’re approved for a Card before applying, using a soft credit check that won’t hurt your score.
At-A-Glance
- American Express® Apply With Confidence lets you see if you’re approved before you submit a credit card application.
- The process is risk-free: checking your eligibility won’t affect your credit score.
- Checking if you qualify first helps you avoid a hard credit check that could lower your score if you don’t get approved.
Applying for a new credit card can feel a little nerve-wracking—especially if you’re unsure about approval or worried about a hard credit inquiry. With Apply With Confidence, you can see if you’re likely to be approved for an American Express® Credit Card before you even apply. It’s a way to help you feel more comfortable, more informed, and more in control of the process, so you can move forward with a little more clarity and a lot more peace of mind.
Let’s take a look at how American Express Apply With Confidence works and how you could use it to apply for your next Amex® Card.
What Is Apply With Confidence?
American Express Apply With Confidence is an online feature that allows you to check your approval for an Amex Credit Card before submitting a full application. It uses a soft credit check that doesn’t impact your credit score, so you can see if you qualify for an Amex Card without risking the temporary dip that comes from a hard credit check.
That said, after you check your likelihood of approval with Apply With Confidence, you still need to formally apply. If you decide to apply for a Card after using Apply With Confidence, you may undergo a hard credit check, which does affect your credit score. For that reason, if you’re not approved using Apply With Confidence, you may not want to proceed with a formal application.
Apply today with confidence
We've updated this application process with more transparency so you can see if you are approved with no impact to your credit score.
Submit Application
We'll get the information we need from you and share important terms and conditions
Get Decision
After you submit your application, we'll let you know if you're approved first - without any impact to your credit score.
Accept the Card
If you choose to accept the Card, the information we provide to the credit bureau(s) may impact your credit score.
How Apply With Confidence Can Help Your Credit Score
A standard credit card application can trigger a hard inquiry, which can temporarily affect your credit score. So if you apply for a card and you don’t end up getting approved for it, you might have hurt your score without any benefit.
When you use Apply With Confidence, you can know if you’ll be approved for your new Credit Card before you apply. If Apply With Confidence says you won’t be approved for a certain Card, it might not be wise to apply and risk hurting your score.
Frequently Asked Questions
Apply With Confidence is a way to pre-check whether you can get approved for an Amex Credit Card before you formally apply. Since it uses a soft inquiry to check your eligibility, Apply With Confidence won’t hurt your credit score.
Each applicant has different factors that affect whether they get approved for a certain Credit Card, so there’s no one Amex Card that’s easiest for everyone. Some ways that you may be able to boost your eligibility might be to limit your credit utilization, diversify the types of credit that you use, and make your monthly minimum payments on time.
Apply With Confidence uses a soft credit inquiry to check and see if you would qualify for a Credit Card if you were to formally apply. Because it uses a soft credit inquiry, Apply With Confidence doesn’t affect your credit score.
The Takeaway
Apply With Confidence allows you to see if you qualify for an Amex Credit Card, letting you avoid a hard credit inquiry until you know more about your likelihood of getting approved. Check out Apply With Confidence today to see if you qualify for an American Express Card.
Scott Drueding Hanson is a content writer and copywriter based in Brooklyn. His work focuses primarily on personal finance.
All Credit Intel content is written by freelance authors and commissioned and paid for by American Express.
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